FAIR COLLECTIONS OUTSOURCING, INC.

2018-07-08

Citrus Heights, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-05

Woodland Hills, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-05

Houston, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-03

Heath, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-03

Indianapolis, IN

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: I have disputed the items several times it has not been taken cared of I have two credit cards that are secured cards I never applied for I have fraud alert on my report to call me have never been contacted bye none of the credit card company asking if I am applying for service someone had a lease in my name in another city I never lived in it's been affecting my credit scores for years now reporting deliquent when I am not please help me it's about XXXX or over in charges that are fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-02

Shulerville, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-02

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-28

Heath, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-28

KS

Communication tactics

Debt collection: Mortgage debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day. Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-27

Jamaica, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-27

Philadelphia, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: I have reporting this before to XXXX and got no response. I have a police report and affidavit on file. Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX COUNTY OF XXXX The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. Creditor Name : Fair Collections & O - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-26

Cingular Wireless, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: XXXX is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX that it was open on XX/XX/2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-25

Pasadena, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-23

New Bedford, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Some COLLECTION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX is saying I owe {$7400.00} I never heard of them never spoke to them never had a contract with them never got any letters from them please ask this organization how did they get my information and who authorize them to use my information with out my knowledge I have no knowledge of a debt never consent to debt their information is inaccurate and ask them how much did they pay for my information and who ever gave them must have stole it this is swindling according to 18 U.S. Code 1341 - Frauds and swindles and can lead up to fines of {>= $1,000,000} or imprisonment up to 30 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-22

Northside, NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX, however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-22

Plattekill, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: This is not an account that should be on my report. I have never lived In This complex. I have been a victim of identity theft. and will be attaching an affidavit to this report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-20

Arlington, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-20

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-18

Hinsdale, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: The application does not have my signature and there this should not be reflecting on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-15

NJ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-15

Hinsdale, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-14

Phoenix, AZ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-08

MA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: FCO ( Fair Collections & Outsourcing ) Account # XXXX They sent me a letter dated XX/XX/XXXX offering to satisy for 20 % off my alleged debt of {$2300.00} of {$1800.00}. Although the XXXX is an incorrect amount. I was willing to pay this due to the urgency of needing this off of my record. I called them to pay the {$1800.00} as they offered and they told me that offer is no longer available that it ended on XX/XX/XXXX. Multiple letters were sent to my house, none of which stated there was an end date of this offer. Once I was financially able to make the paymetn of {$1800.00} I called FCO. Now due to this fraud I lost my apartment that I applied for and I have to be out of my current apartment in 2 weeks. Who knows if I will have a place to live now. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-06

Little Rock, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-06

Darnestown, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response